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<p><img src="<%= Page.ResolveUrl("~/images/Hospitalisation.jpg")%>"   width="755" height="200" style="margin-right:500px"/><br /><br /></p>
    <p>
            <span style="color: rgb(245, 40, 135)"><em>Power Saver Hospitalisation</em></span>
            is exclusively tailored to fit your budget without compromising on the health protection
            for you & your loved ones.
            <br />
            Peace of mind is what you enjoy as we provide full coverage from the first dollar
            while you are in hospital. To top it up, get extra benefits like Surgical Implants,
            Major Organ Transplant & even a Daily Recovery Income. We also cover Health Threats
            like Bird Flu, Dengue Fever & SARS among others. What’s more, you can tailor your
            benefits to fit your budget by opting for Co-payment, Deductible or both.
        </p>

<div id="tabs">
	<ul>
		<li><a href="#tabs-1">Introduction</a></li>
		<li><a href="#tabs-2">Benefits</a></li>
		<li><a href="#tabs-3">Premium</a></li>
        <li><a href="#tabs-4">Policy Wording</a></li>
		<li><a href="#tabs-5">Applying</a></li>
	</ul>
    <div id="tabs-1">
        
        <span style="font-size: 22px; color: #488AC7">Real Protection</span>
        <p>
            As Charged Benefits<br />
            No Compulsory Co-payment & Deductible<br />
            Worldwide Coverage<br />
            24 Hours Emergency Assistance Hotline<br />
            Health Threats Coverage eg. Bird Flu, Dengue Fever<br />
            Cover up to Age 80</p>
        <span style="font-size: 22px; color: #488AC7">Maximum Flexibility</span>
        <p>
            6 Basic Plans to fit your budget<br />
            Choice of Public or Private Hospital Plan<br />
            4 Options for Deductible & Co-payment<br />
            Cashless Hospital Admission upon approval</p>
        <span style="font-size: 22px; color: #488AC7">Great Value For Money</span>
        <p>
            As low as 31 cents per day*<br />
            Up to 45% Discount from Standard Premium<br />
            Extended Benefits at no extra cost<br />
            Cash Allowance while hospitalised<br />
            Personal Card for Fast & Easy Admission<br />
            *Based on Public Hospital Plan F premiums for Ages 18 - 29, no deductible & co-payment</p>
       
    </div>
    <div id="tabs-2">
        <table class="e1_benefits" border="1"  width="690">
            <thead>
                <tr>
                    <th>
                        Power Saver Hospitalisation Benefits Table
                    </th>
                    <th colspan="3" width="30%">
                        Private Hospital Plan
                    </th>
                    <th colspan="3" width="30%">
                        Public Hospital Plan
                    </th>
                </tr>
                <tr>
                    <td>
                    </td>
                    <td class="p1_a">
                        Plan A
                    </td>
                    <td class="p1_b">
                        Plan B
                    </td>
                    <td class="p1_c">
                        Plan C
                    </td>
                    <td class="p1_d">
                        Plan D
                    </td>
                    <td class="p1_e">
                        Plan E
                    </td>
                    <td class="p1_f">
                        Plan F
                    </td>
                </tr>
            </thead>
            <tbody>
                <tr>
                    <td>
                        ANNUAL LIMIT applicable to all benefits
                    </td>
                    <td>
                        70,000
                    </td>
                    <td>
                        55,000
                    </td>
                    <td>
                        40,000
                    </td>
                    <td>
                        70,000
                    </td>
                    <td>
                        40,000
                    </td>
                    <td>
                        25,000
                    </td>
                </tr>
                <tr>
                    <th colspan="7">
                        Hospital and Surgical Benefits(S$)
                    </th>
                </tr>
                <tr>
                    <td>
                        Bed Type(Standard Types)
                    </td>
                    <td>
                        1-Bed
                    </td>
                    <td>
                        2-Bed
                    </td>
                    <td>
                        4-Bed
                    </td>
                    <td>
                        1-Bed
                    </td>
                    <td>
                        4-Bed
                    </td>
                    <td>
                        6-Bed
                    </td>
                </tr>
                <tr>
                    <td>
                        Room & Board(Includes meal&general nursing care)
                    </td>
                    <td rowspan="12" colspan="6">
                        As charged up to 20,000 Per disability
                    </td>
                </tr>
                <tr>
                    <td>
                        Intensive Care Unit
                    </td>
                </tr>
                <tr>
                    <td>
                        Hospital Miscellaneous Expenses(Prescription drugs, Inpatient Diagnostic Procedures,Operating
                        Theatre Fees, Ancillary Charges
                    </td>
                </tr>
                <tr>
                    <td>
                        Ambulance Services
                    </td>
                </tr>
                <tr>
                    <td>
                        Surgeon's Fee (Includes Inpatient Surgery&Day Surgery)
                    </td>
                </tr>
                <tr>
                    <td>
                        Anesthetist's Fee
                    </td>
                </tr>
                <tr>
                    <td>
                        In-Hospital Physician's Visit
                    </td>
                </tr>
                <tr>
                    <td>
                        Pre-Hospitalisation/Surgery Specialist’s Consultation (Up to 90 days)
                    </td>
                </tr>
                <tr>
                    <td>
                        Pre-Hospitalisation/Surgery Diagnostic Services (Up to 90 days)
                    </td>
                </tr>
                <tr>
                    <td>
                        Post-Hospitalisation/Surgery Treatment (Up to 90 days)
                    </td>
                </tr>
                <tr>
                    <td>
                        Emergency Outpatient Treatment (due to accident only)
                    </td>
                </tr>
                <tr>
                    <th colspan="7">
                        Outpatient Benefits(S$)
                    </th>
                </tr>
                <tr>
                    <td>
                        Outpatient Cancer Treatment Per Year
                    </td>
                    <td>
                        20,000
                    </td>
                    <td>
                        15,000
                    </td>
                    <td>
                        10,000
                    </td>
                    <td>
                        20,000
                    </td>
                    <td>
                        10,000
                    </td>
                    <td>
                        5,000
                    </td>
                </tr>
                <tr>
                    <td>
                        Outpatient Kidney Dialysis Per Year
                    </td>
                    <td>
                        20,000
                    </td>
                    <td>
                        15,000
                    </td>
                    <td>
                        10,000
                    </td>
                    <td>
                        20,000
                    </td>
                    <td>
                        10,000
                    </td>
                    <td>
                        5,000
                    </td>
                </tr>
                <tr>
                    <td>
                        Emergency Outpatient Dental Treatment (due to accident only)
                    </td>
                    <td>
                        2,000
                    </td>
                    <td>
                        1,500
                    </td>
                    <td>
                        1,000
                    </td>
                    <td>
                        2,000
                    </td>
                    <td>
                        1,500
                    </td>
                    <td>
                        1,000
                    </td>
                </tr>
                <tr>
                    <th colspan="7">
                        Extended Benefits (S$)
                    </th>
                </tr>
                <tr>
                    <td>
                        Major Organ Transplant
                    </td>
                    <td colspan="6">
                        As charged
                    </td>
                </tr>
                <tr>
                    <td>
                        Miscarriage due to accident Per Occurrence
                    </td>
                    <td>
                        3,000
                    </td>
                    <td>
                        2,000
                    </td>
                    <td>
                        1,000
                    </td>
                    <td>
                        3,000
                    </td>
                    <td>
                        2,000
                    </td>
                    <td>
                        1,000
                    </td>
                </tr>
                <tr>
                    <td>
                        Ectopic Pregnancy Per Occurrence
                    </td>
                    <td>
                        3,000
                    </td>
                    <td>
                        2,000
                    </td>
                    <td>
                        1,000
                    </td>
                    <td>
                        3,000
                    </td>
                    <td>
                        2,000
                    </td>
                    <td>
                        1,000
                    </td>
                </tr>
                <tr>
                    <td>
                        Surgical Implants Per Disability
                    </td>
                    <td>
                        3,000
                    </td>
                    <td>
                        2,000
                    </td>
                    <td>
                        1,000
                    </td>
                    <td>
                        3,000
                    </td>
                    <td>
                        2,000
                    </td>
                    <td>
                        1,000
                    </td>
                </tr>
                <tr>
                    <td>
                        Medical Report Fees
                    </td>
                    <td colspan="6">
                        As charged
                    </td>
                </tr>
                <tr>
                    <td>
                        Daily Recovery Benefits Per Day After 7 days of hospitalisation, up to 20 days
                    </td>
                    <td>
                        200
                    </td>
                    <td>
                        150
                    </td>
                    <td>
                        100
                    </td>
                    <td>
                        200
                    </td>
                    <td>
                        100
                    </td>
                    <td>
                        50
                    </td>
                </tr>
                <tr>
                    <td>
                        Special Grant
                    </td>
                    <td>
                        5,000
                    </td>
                    <td>
                        3,000
                    </td>
                    <td>
                        3,000
                    </td>
                    <td>
                        5,000
                    </td>
                    <td>
                        3,000
                    </td>
                    <td>
                        3,000
                    </td>
                </tr>
            </tbody>
        </table>
        <p>
            How Power Saver Hospitalisation keeps you covered<br />
            Example:Appendicities operation 7 days hospitalisation with 2 days in ICU</p>
        <table class="e1_benefits_example" border="1" width="690">
            <thead>
                <tr>
                    <th width="25%">
                        Benefits
                    </th>
                    <th width="25%">
                        Scenario
                    </th>
                    <th width="5%">
                        Expense Incurred (S$)
                    </th>
                    <th width="25%">
                        Example of Competitor Pay out (S$)
                    </th>
                    <th width="15%">
                        eHealth.Hospital&Surgical Executive Plan C Pay Out (S$)
                    </th>
                </tr>
            </thead>
            <tbody>
                <tr>
                    <td>
                        Room & Board Includes Meals & General Nursing Care
                    </td>
                    <td>
                        5 days R & B in Private Hospital
                    </td>
                    <td>
                        750
                    </td>
                    <td rowspan="2">
                        2,500 Sublimit of 500/day
                    </td>
                    <td rowspan="6">
                        Paid as Charged up to 10,000
                    </td>
                </tr>
                <tr>
                    <td>
                        Hospital Miscellaneous Expenses
                    </td>
                    <td>
                        <ul>
                            <li>Prescription drugs</li><li>Diagnostic Procedures</li><li>Operating Theatre Fees</li><li>
                                Ancillary Charges</li></ul>
                    </td>
                    <td>
                        2,950
                    </td>
                </tr>
                <tr>
                    <td>
                        Anaesthetist Charge
                    </td>
                    <td>
                    </td>
                    <td>
                        500
                    </td>
                    <td>
                    </td>
                </tr>
                <tr>
                    <td>
                        Surgeon’s fee
                    </td>
                    <td>
                        Appendicitis
                    </td>
                    <td>
                        1,700
                    </td>
                    <td>
                        1,700
                    </td>
                </tr>
                <tr>
                    <td>
                        ICU
                    </td>
                    <td>
                        2 days ICU (Includes ICU Miscellaneous Expenses)
                    </td>
                    <td>
                        2,250
                    </td>
                    <td>
                        1,380 Sublimit of 690/day
                    </td>
                </tr>
                <tr>
                    <td>
                        Post-Hospitalisation Treatment
                    </td>
                    <td>
                        Outpatient & Surgery treatment
                    </td>
                    <td>
                        800
                    </td>
                    <td>
                    </td>
                </tr>
                <tr>
                    <td>
                        Total Incurred
                    </td>
                    <td>
                    </td>
                    <td>
                        8,950
                    </td>
                    <td>
                    </td>
                    <td>
                    </td>
                </tr>
                <tr>
                    <td>
                        Deductible
                    </td>
                    <td>
                    </td>
                    <td>
                    </td>
                    <td>
                        2,000
                    </td>
                    <td>
                        Nil
                    </td>
                </tr>
                <tr>
                    <td>
                        Co-payment
                    </td>
                    <td>
                    </td>
                    <td>
                    </td>
                    <td>
                        10%
                    </td>
                    <td>
                        Nil
                    </td>
                </tr>
                <tr>
                    <td>
                        Total Paid
                    </td>
                    <td>
                    </td>
                    <td>
                    </td>
                    <td>
                        3,222
                    </td>
                    <td>
                        8,950
                    </td>
                </tr>
                <tr>
                    <td>
                        Shortfall
                    </td>
                    <td>
                    </td>
                    <td>
                    </td>
                    <td>
                        5,728
                    </td>
                    <td>
                        Nil
                    </td>
                </tr>
            </tbody>
        </table>
    </div>
    <div id="tabs-3">
    <h2>
        <p>
            Annual Premium (S$inclusive of GST)</p>
    </h2>
        <table class="e1_premium" border="1" width="690">
            <thead align="center">
                <tr>
                    <th rowspan="2">
                        Age\Plan
                    </th>
                    <th colspan="3">
                        Private Hospital Plan
                    </th>
                    <th colspan="3">
                        Public Hospital Plan
                    </th>
                </tr>
                <tr>
                    <th class="p1_a">
                        Plan A
                    </th>
                    <th class="p1_b">
                        Plan B
                    </th>
                    <th class="p1_c">
                        Plan C
                    </th>
                    <th class="p1_d">
                        Plan D
                    </th>
                    <th class="p1_e">
                        Plan E
                    </th>
                    <th class="p1_f">
                        Plan F
                    </th>
                </tr>
            </thead>
            <tbody align="center">
                <tr>
                    <td>
                        1-17
                    </td>
                    <td>
                        334
                    </td>
                    <td>
                        282
                    </td>
                    <td>
                        240
                    </td>
                    <td>
                        261
                    </td>
                    <td>
                        176
                    </td>
                    <td>
                        92
                    </td>
                </tr>
                <tr>
                    <td>
                        18-29
                    </td>
                    <td>
                        440
                    </td>
                    <td>
                        366
                    </td>
                    <td>
                        303
                    </td>
                    <td>
                        313
                    </td>
                    <td>
                        219
                    </td>
                    <td>
                        113
                    </td>
                </tr>
                <tr>
                    <td>
                        30-39
                    </td>
                    <td>
                        545
                    </td>
                    <td>
                        450
                    </td>
                    <td>
                        387
                    </td>
                    <td>
                        387
                    </td>
                    <td>
                        271
                    </td>
                    <td>
                        134
                    </td>
                </tr>
                <tr>
                    <td>
                        40-44
                    </td>
                    <td>
                        619
                    </td>
                    <td>
                        513
                    </td>
                    <td>
                        440
                    </td>
                    <td>
                        471
                    </td>
                    <td>
                        324
                    </td>
                    <td>
                        166
                    </td>
                </tr>
                <tr>
                    <td>
                        45-49
                    </td>
                    <td>
                        692
                    </td>
                    <td>
                        577
                    </td>
                    <td>
                        482
                    </td>
                    <td>
                        524
                    </td>
                    <td>
                        366
                    </td>
                    <td>
                        187
                    </td>
                </tr>
                <tr>
                    <td>
                        50-54
                    </td>
                    <td>
                        966
                    </td>
                    <td>
                        798
                    </td>
                    <td>
                        682
                    </td>
                    <td>
                        734
                    </td>
                    <td>
                        513
                    </td>
                    <td>
                        261
                    </td>
                </tr>
                <tr>
                    <td>
                        55-59
                    </td>
                    <td>
                        1,088
                    </td>
                    <td>
                        910
                    </td>
                    <td>
                        757
                    </td>
                    <td>
                        878
                    </td>
                    <td>
                        587
                    </td>
                    <td>
                        292
                    </td>
                </tr>
                <tr>
                    <td>
                        60-65
                    </td>
                    <td>
                        1,528
                    </td>
                    <td>
                        1,278
                    </td>
                    <td>
                        1,087
                    </td>
                    <td>
                        1,208
                    </td>
                    <td>
                        822
                    </td>
                    <td>
                        408
                    </td>
                </tr>
                <tr>
                    <td>
                        66-69
                    </td>
                    <td>
                        2,188
                    </td>
                    <td>
                        1,823
                    </td>
                    <td>
                        1,527
                    </td>
                    <td>
                        1,747
                    </td>
                    <td>
                        1,208
                    </td>
                    <td>
                        586
                    </td>
                </tr>
                <tr>
                    <td>
                        70-74
                    </td>
                    <td>
                        3,288
                    </td>
                    <td>
                        2,736
                    </td>
                    <td>
                        2,187
                    </td>
                    <td>
                        2,715
                    </td>
                    <td>
                        1,884
                    </td>
                    <td>
                        955
                    </td>
                </tr>
                <tr>
                    <td>
                        75-80
                    </td>
                    <td>
                        5,046
                    </td>
                    <td>
                        3,836
                    </td>
                    <td>
                        3,177
                    </td>
                    <td>
                        3,782
                    </td>
                    <td>
                        2,625
                    </td>
                    <td>
                        1,318
                    </td>
                </tr>
            </tbody>
        </table>
        <table class="e1_premium2" border="1" width="690">
            <thead align="center">
                <tr>
                    <th colspan="4">
                        Optional Premium Discounts
                    </th>
                </tr>
                <tr>
                    <th>
                        Deductible$Co-Payment
                    </th>
                    <th>
                        Discount
                    </th>
                    <th>
                        Deductible & Co-Payment
                    </th>
                    <th>
                        Discount
                    </th>
                </tr>
            </thead>
            <tbody>
                <tr>
                    <td>
                        S$0 & 10% *
                    </td>
                    <td>
                        10%
                    </td>
                    <td>
                        S$0 & 10% **
                    </td>
                    <td>
                        10%
                    </td>
                </tr>
                <tr>
                    <td>
                        S$2,000 & 0%*
                    </td>
                    <td>
                        30%
                    </td>
                    <td>
                        S$1,000 & 0% **
                    </td>
                    <td>
                        30%
                    </td>
                </tr>
                <tr>
                    <td>
                        S$2,000 & 10% *
                    </td>
                    <td>
                        45%
                    </td>
                    <td>
                        S$1,000 & 10% **
                    </td>
                    <td>
                        40%
                    </td>
                </tr>
                <tr>
                    <td colspan="2">
                        * Applicable to Plan A , B & C
                    </td>
                    <td colspan="2">
                        ** Applicable to Plan D, E & F
                    </td>
                </tr>
            </tbody>
        </table>
        <p>
            Note:<br />
            <ul>
                <li>Claims are subject to pro-ration for hospitalisation in a different type of ward
                    and/or hospital from the chosen plan</li>
                <li>Public Hospitals refer to Government & Restructured Hospitals</li>
                <li>All Ages refer to Age Next Birthday</li>
                <li>Upon entering a new age band, the higher rates will apply</li>
                <li>Age 66 to 80 (inclusive) for policy renewal only</li>
                <li>Rates are subject to change without prior notice</li>
            </ul>
        </p>
    </div>
    <div id="tabs-4">
        <p>
            Welcome to your eHealth.Hospital&Surgical Policy. Please read this Policy carefully
            together with our Schedule to ensure that you understand the terms and conditions
            and that the cover you require is being provided. If there are any changes that
            may affect the insurance provided, please notify us immediately.</p>
        <span style="font-size: 22px; color: #488AC7">IMPORTANT NOTICE</span>
        <p>
            1. Before we provide cover, you must fully and faithfully tell us everything you
            know (or could reasonably be expected to know) that is relevant to our decision
            to insure you, otherwise you may receive no benefit from your Policy.<br />
            <br />
            2. The insurance cover under this Policy is based on the information submitted to
            us, as set out in the accompanying documents. Please read these information carefully.
            If there is any information that is incorrect, please notify us immediately, otherwise
            you may receive no benefit in the event of a valid claim. If the information, which
            you subsequently provide us, differs materially from the information set out in
            the form, we may offer cover on different terms or decline it altogether. If we
            do not hear from you within 14 days from the date of issue of this Policy, we will
            take it that the information is complete and correct.<br />
            <br />
            3. We give you a period of 14 days to review the policy. If you then decide that
            this policy does not satisfy your needs, you may return it to us for cancellation.
            Provided that no claims have been made during this period, we shall then refund
            you the premium you paid us.
        </p>
        <span style="font-size: 22px; color: #488AC7">POLICY EXCLUSIONS</span><br />
        <p>
            No benefits shall be payable under this Policy for any one of the following occurrences
            and any events and medical conditions arising therefrom (whether directly or indirectly,
            partially or wholly):<br />
            <br />
            1. Any period of hospital confinement unless the entire confinement and all the
            special hospital services so rendered and performed had been recommended and approved
            by a Physician and in accordance with the diagnosis and treatment of the illness
            or injury for which the hospital confinement was required.<br />
            <br />
            2. All Pre-existing Conditions unless declared by the Insured Person in the application
            form and specifically accepted by us during underwriting stage and endorsed thereon.<br />
            <br />
            3. Any illnesses suffered by an Insured Person that commence within thirty (30)
            days from the date an Insured Person is first Covered under the Policy except for
            Injuries sustained during an Accident which occurs after the date an Insured Person
            is Covered under the Policy.<br />
            <br />
            4. Hospitalisation primarily for diagnosis, x-ray examinations, or for general physical
            or medical check-up, routine physical examinations, health check-ups or any other
            tests, where there is no objective indication of impairment of normal health or
            any treatment of a preventive nature including vaccinations, acupuncture, or any
            treatment which is not medically necessary.<br />
            <br />
            5. Charges for telephone, television, radio, newspaper, guests’ meals and other
            ineligible nonmedical items whilst confined as an Inpatient or for Day Surgery.<br />
            <br />
            6. Outpatient treatment, dental care and its related treatment except as specifically
            Covered under this Policy.<br />
            <br />
            7. Pregnancy, childbirth, abortion, miscarriage, infertility and all complications
            arising therefrom except as specifically Covered under this Policy.<br />
            <br />
            8. Birth control measures, assisted reproduction, sterilisation (or its reversal)
            or any events arising out of or in connection thereto.<br />
            <br />
            9. Circumcision unless medically necessary, varicocele, impotence or any consequence
            of it.<br />
            <br />
            10. Sickness or disease directly or indirectly arising from sexually transmitted
            diseases, Acquired Immune Deficiency Syndrome (AIDS), any AIDS related condition,
            or infection by Human Immune- Deficiency Virus (HIV).<br />
            <br />
            11. Sex change.<br />
            <br />
            12. Costs arising under any legislation or covered under any corresponding insurance
            relating to occupational death, injury, or illness, including but not limited to,
            occupational insurance effected pursuant to the Workmen’s Compensation Act (Cap.
            354) and any revisions thereof.<br />
            <br />
            13. Congenital Conditions and any physical birth defects arising out of or resulting
            therefrom.<br />
            <br />
            14. Non-Hospital nursing care or ambulatory care, rest cures or sanitaria care,
            treatment arising from any geriatric, psycho-geriatric or psychological, emotional,
            mental or psychiatric conditions, and alcoholism or substance abuse.<br />
            <br />
            15. Suicide or attempted suicide, self-inflicted injuries or any attempt thereat
            whether sane or insane.<br />
            <br />
            16. Eye tests, refractive errors of the eyes, provision of implants, medical appliances
            and prosthetic devices (including spectacles, hearing aids and wheelchairs and lenses),
            unless otherwise stated and Covered in the Policy.<br />
            <br />
            17. Racing of any kind (except on foot), professional sports, parachuting, skydiving,
            hang-gliding and bungee jumping.<br />
            <br />
            18. Flying or other aerial activity except as a fare-paying passenger in a fully
            licensed aircraft operated by a licensed commercial air carrier or recognised charter
            company.<br />
            <br />
            19. Nuclear or chemical contamination, war, invasion, losses by terrorist acts using
            chemical and/or biological substances, acts of foreign enemies, hostilities (whether
            war be declared or not), civil war, rebellion, revolution, direct participation
            in riot, strike and civil commotion, insurrection or military or usurped power,
            or active duty in any of the armed forces.<br />
            <br />
            20. The use, or any treatment arising therefrom, of any drugs not licensed by an
            official governmental control agency of the country in which the drug is given,
            or drugs used in any circumstances other than in accordance with their licensed
            indications.<br />
            <br />
            21. Experimental medical treatment.<br />
            <br />
            22. Developmental delay and/or learning disabilities in children.<br />
            <br />
            23. Cosmetic (aesthetic) or plastic surgery or treatment, or any treatment which
            relates to or is needed because of previous cosmetic treatment, provided that this
            exclusion does not apply to reconstructive surgery if:<br />
            <br />
            (a) it is carried out to restore function or appearance after an Accident or following
            Surgery for a medical condition, provided that the Accident or Surgery occurred
            while the Insured Person was Covered under this Policy; and<br />
            <br />
            (b) it is done at a medically appropriate stage after the Accident or Surgery; and<br />
            <br />
            (c) the cost of the treatment is approved by us in writing before it is done.<br />
            <br />
            24. The removal of fat or surplus tissue from any part of the body whether or not
            it is needed for medical or psychological reasons, treatment of obesity, weight
            reduction or weight improvement.<br />
            <br />
            25. Sleep apnoea.<br />
            <br />
            26. Violation or any attempted violation of the law or resistance or attempted resistance
            to lawful arrest.<br />
            <br />
            27. National servicemen (or women) enlisted on a full-time basis pursuant to the
            Enlistment Act (Cap. 93) with the Singapore Armed Forces or Civil Defence or the
            Singapore Police Force or any other military, naval or air service or similar establishment.
            Where the Insured Person is outside his Country of Residence and Covered in accordance
            with the terms under this Policy, this exclusion shall be deemed to include the
            appropriate institutions relevant to that geographical area.<br />
            <br />
        </p>
        <span style="font-size: 22px; color: #488AC7">GENERAL CONDITIONS</span>
        <div class="block" id="smallContent" style="display: block">
            <p class="center">
                [<a href="javascript:" onclick="document.getElementById('fullContent').style.display=(document.getElementById('fullContent').style.display=='none')?'':'none';document.getElementById('smallContent').style.display=(document.getElementById('smallContent').style.display=='none')?'':'none'">
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        </div>
        <div class="block" id="fullContent" style="display: none;">
            <p class="center">
                [<a href="javascript:" onclick="document.getElementById('fullContent').style.display=(document.getElementById('fullContent').style.display=='none')?'':'none';document.getElementById('smallContent').style.display=(document.getElementById('smallContent').style.display=='none')?'':'none'">
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            <h4>
                1. Liability</h4>
            <p>
                We will have no liability to pay any benefits under this Policy if you or any Insured
                Person:<br />
                (a) fail to fully and truthfully disclose to us, all material information known
                (or which could reasonably be expected to be known) by you or any Insured Person,
                before inception of this Policy and upon each renewal;<br />
                (b) fail to properly observe and fulfill the terms and conditions of this Policy;<br />
                (c) make any untrue statement;<br />
                (d) omit, suppress or incorrectly states any material information affecting the
                risk;<br />
                (e) make any claim that is fraudulent or exaggerated, or makes any false declaration
                or statement in support of a claim.<br />
            </p>
            <h4>
                2. Changes in Circumstances</h4>
            <p>
                If there is any change in circumstances affecting the risk, you must give us immediate
                written notice. In particular, you must notify us of any changes in occupation/business
                or health affecting you or any Insured Person.<br />
            </p>
            <h4>
                3. Misstatement of Age</h4>
            <p>
                If the age of any Insured Person has been misstated and the premium paid as a result
                is insufficient, any claim payable under this Policy shall be pro-rated based on
                the ratio of the actual premium paid to the correct premium which should have been
                charged for the Period of Insurance. Any excess premium that may have been paid
                as a result of any misstatement of age shall be refunded without interest. If at
                the correct age an Insured Person would not have been eligible for Cover under this
                Policy, no benefit shall be payable, and our liability shall be limited to the refund
                of the premium paid without interest.</p>
            <h4>
                4. Policy Renewal/ Renewal Premium</h4>
            <p>
                (a) On or before the expiry of your Policy, and subject to our acceptance, you may
                renew this Policy by paying the premium applicable at the time of renewal. This
                shall not apply in the event that the Policy expires, or is terminated or cancelled
                in accordance with the terms of this Policy and you should subsequently wish to
                reapply for insurance cover under this Policy.<br />
                <br />
                (b) The premium rates payable shall be determined at each renewal based on the Insured
                Persons’ Age Next Birthday, the table of premium rates then in effect, and any other
                factors which may materially affect the risks insured. We reserve the right to change
                the table of premium rates on a class basis for our Individual eHealth.Hospital&Surgical
                and all similar policies.</p>
            <h4>
                5. Policy Plan Upgrading/ Downgrading</h4>
            <p>
                Upon your written request, we may agree to a change in policy coverage, but any
                such change to your Policy, as agreed by us, shall be applicable only at the next
                renewal of the Policy and you have paid any additional premiums as may be applicable.<br />
                <br />
                For any Illness or Injury occurring during the period of twelve (12) months after
                the Effective Date of the upgrading, we shall not be liable beyond the limits applicable
                for the immediately preceding Period of Insurance, if such Illness or Injury directly
                or indirectly arises or results from a condition occurring or sustained during the
                preceding Periods of Insurance.</p>
            <h4>
                6. Automatic Termination</h4>
            <p>
                (a) Cover under this Policy for the respective Insured Person shall automatically
                terminate on the earliest occurrence of any of the following events:<br />
                (i) the date the Policy is terminated;<br />
                (ii) the date the Insured Person’s Coverage is terminated;<br />
                (iii) when the applicable premiums are not paid in accordance with the terms of
                the Policy;<br />
                (iv) death of such Insured Person;<br />
                (v) upon such Insured Person ceasing to satisfy any of the eligibility requirements
                set out in this Policy or<br />
                (vi) at 23:59 Standard Singapore Time on the ninetieth (90th) day on which such
                Insured Person remains outside his Country of Residence for a consecutive period
                of more than ninety (90) days<br />
                <br />
                provided that if an Insured Person satisfies the age eligibility requirement at
                the Effective Date, his Cover shall not automatically terminate when he attains
                a higher age during that Period of Insurance.<br />
                <br />
                (b) Termination of your Cover shall automatically terminate Cover for all of your
                Dependants as well.</p>
            <h4>
                7. Cancellation / Termination of Cover</h4>
            <p>
                (a) You have the right to cancel this Policy at any time by giving 14 days’ written
                notice to us. Provided that no claims have been made during the Period of Insurance,
                we will grant you a pro-rated refund of the total premium paid corresponding to
                the unexpired Period of Insurance subject to us retaining a minimum premium amount
                of S$50.00 + GST.<br />
                <br />
                (b) You have the right to terminate Cover for any Insured Person at any time by
                giving us 14 days’ written notice, and upon such termination, you will be granted
                a pro-rated refund of the premium paid in respect of that Insured Person corresponding
                to the unexpired Period of Insurance, provided that no claims have been made during
                the Period of Insurance and subject to us retaining a minimum premium amount of
                S$50.00 + GST.<br />
                <br />
                (c) We have the right to cancel this Policy in the event that we decide to cease
                offering our eHealth.Hospital&Surgical Individual plan (i) totally; or (ii) to any
                particular groups of persons insured with us or proposing to be insured with us.
                We will give you at least thirty (30) days’ written notice of such cancellation
                and upon such cancellation you will be granted a prorated refund of the total premium
                paid corresponding to the unexpired Period of Insurance.<br />
            </p>
            <h4>
                8A. Payment Before Cover Warranty</h4>
            <p>
                (a) This clause 8A only applies to your Policy if the Policyholder is an individual.<br />
                <br />
                (b) Notwithstanding anything herein contained but subject to clauses 8A(c) and 8A(d)
                hereof, it is hereby agreed and declared that the total premium due must be paid
                and actually received in full by us (or the intermediary through whom this Policy
                was effected) on or before the inception date (“the inception date”) of the coverage
                under the Policy, Renewal Certificate, Cover Note or Endorsement.<br />
                <br />
                (c) In the event that the total premium due is not paid and actually received in
                full by us (or the intermediary through whom this Policy was effected) on or before
                the inception date referred to above, then the Policy, Renewal Certificate, Cover
                Note and Endorsement shall be deemed to be cancelled immediately and no benefits
                whatsoever shall be payable by us. Any payment received thereafter shall be of no
                effect whatsoever on the cancellation of the Policy, Renewal Certificate, Cover
                Note and Endorsement.<br />
                <br />
                (d) In respect of coverage with “Free Look” provision, you may return the original
                policy document to us or to the intermediary within the “Free Look” period if you
                decide to cancel the cover during the “Free Look” period. In such an event, you
                will receive a full refund of the premium paid to us without interest provided that
                no claim has been made under the insurance.</p>
            <h4>
                8B. Premium Payment Warranty</h4>
            <p>
                (a) This clause 8B only applies if the Policyholder is a business or commercial
                establishment.<br />
                <br />
                (b) Notwithstanding anything herein contained but subject to clause 8B(c) hereof,
                it is hereby agreed and declared that if the Period of Insurance is 60 days or more,
                any premium due must be paid and actually received in full by us (or the intermediary
                through whom this Policy was effected) within 60 days of the:-<br />
                (i) inception date of the coverage under the Policy, Renewal Certificate or Cover
                Note; or<br />
                (ii) effective date of each Endorsement, if any, issued under the Policy, Renewal
                Certificate or Cover Note.<br />
                <br />
                (c) In the event that any premium due is not paid and actually received in full
                by us (or the intermediary through whom this Policy was effected) within the 60-day
                period referred to above, then:-<br />
                (i) the cover under the Policy, Renewal Certificate, Cover Note or Endorsement is
                automatically terminated immediately after the expiry of the said 60-day period;<br />
                (ii) the automatic cancellation of the cover shall be without prejudice to any liability
                incurred within the said 60-day period; and<br />
                (iii) we shall be entitled to a pro-rata time on risk premium subject to a minimum
                of S$25.00+ GST.<br />
                <br />
                d) If the Period of Insurance is less than 60 days, any premium due must be paid
                and actually received in full by us (or the intermediary through whom this Policy
                was effected) within the Period of Insurance.</p>
            <h4>
                9. Condition Precedent</h4>
            <p>
                The validity of this Policy is subject to the condition precedent that:<br />
                <br />
                (a) for the risk insured, the Insured Person has never had any insurance terminated
                in the last twelve (12) months due solely or in part to a breach of any premium
                payment condition; or<br />
                <br />
                (b) if the Insured Person has declared that it has breached any premium payment
                condition in respect of a previous policy taken up with another insurer in the last
                twelve (12) months:<br />
                (i) the Insured Person has fully paid all outstanding premium for time on risk calculated
                by the previous insurer based on the customary short period rate in respect of the
                previous policy; and<br />
                (ii) a copy of the written confirmation from the previous insurer to this effect
                is first provided by the Insured Person to us before cover incepts.</p>
            <h4>
                10. Determination of Premiums</h4>
            <p>
                For the purposes of determining premiums payable, an Insured Person’s age shall
                be deemed to be his Age on his Next Birthday, and any premium tables or other material
                we provide in this connection shall be read accordingly.</p>
            <h4>
                11. Payment of benefits</h4>
            <p>
                We shall pay all Benefits to you or your estate (in the event of your death). You
                or your estate’s receipt of any Benefit payable under this Policy shall in all cases
                be deemed full and final discharge of all claims, demands, liabilities and damages
                whatsoever. We may, at our sole discretion, pay the Benefits to an Insured Person
                unless you request otherwise in writing. We may appoint independent administrators
                to settle claims on our behalf.</p>
            <h4>
                12. Expenses Covered by Other Sources</h4>
            <p>
                The benefits of this Policy are payable on a reimbursement and/or indemnity basis.
                If you or any Insured Person recovers all or part of claimed expenses from any other
                source, or if there is in place any other insurance against the events covered,
                we will only be liable for the excess of the amount recovered from such other source
                or insurance.<br />
                <br />
                In the event that an Insured Person is covered under any occupational insurance,
                including but not limited to, any insurance effected pursuant to the Workmen’s Compensation
                Act (Cap. 354) and any revisions thereof, he shall claim under such insurance first,
                before claiming against this Policy.<br />
                <br />
                In any event, we shall be liable only for any difference between the amount recovered
                or recoverable from such insurance and your Covered Expenses, subject to the limits
                and terms and conditions of this Policy.</p>
            <h4>
                13. Claim Procedures</h4>
            <p>
                It shall be condition precedent that you comply with the following stipulated time
                limits and procedures before any benefits are payable under this Policy:<br />
                <br />
                (a) Written notice shall be given to us as soon as possible and in any event within
                thirty (30) days after the occurrence of any event, which may give rise to a claim
                under this Policy.<br />
                <br />
                (b) A claim form obtainable from us upon request and all necessary supporting evidence
                of the occurrence, nature and extent of loss shall then be submitted to us within
                sixty (60) days after the occurrence of the event giving rise to a claim under this
                Policy.<br />
                <br />
                (c) All certificates, receipts, information and evidence required by us shall be
                borne by you and supplied free of expense to us, in the form prescribed by us.<br />
                <br />
                (d) We shall have the right and the opportunity through our medical representatives
                to examine any Insured Person whenever and as often as may be reasonably required
                during our assessment of any claim. In addition, we shall have the right to require
                an autopsy in the case of death, where this is not forbidden by law or such religious
                beliefs that are recognized by the law. We will bear the expenses incurred in such
                examinations, unless we deny your claim, in which case we shall be entitled to recover
                all the expenses so incurred from you.</p>
            <h4>
                14. Legal Proceedings</h4>
            <p>
                No proceedings in law or in equity may be commenced against us prior to the expiration
                of sixty(60) days after written proof of loss has been furnished in accordance with
                the terms of this Policy. In any event, such proceedings shall not be commenced
                against us after the expiration of a period of one (1) year from the date written
                proof of loss has been so furnished in accordance with the terms of this Policy.</p>
            <h4>
                15. Mediation/Arbitration</h4>
            <p>
                All disputes arising out of this Policy may be submitted to the Financial Industry
                Disputes Resolution Centre Ltd (FIDReC) for settlement by mediation in accordance
                with the mediation procedure for the time being in force, if the parties so agree.
                The parties agree to take part in the mediation in good faith and undertake to honour
                the terms of any settlement reached. If any dispute is not referred to mediation
                or if mediation fails, the dispute has to be referred to arbitration. Arbitration
                shall be conducted in accordance with the Arbitration Rules of the Singapore International
                Arbitration Centre.</p>
            <h4>
                16. Applicable Law/Jurisdiction</h4>
            <p>
                This Policy shall be governed by and interpreted in accordance with the laws of
                Singapore. The parties hereby submit to the jurisdiction of the courts of Singapore.</p>
            <h4>
                17. Rights of Third Parties</h4>
            <p>
                A person or any entity who is not a party to this Policy shall have no right under
                the Contracts (Rights of Third Parties) Act (Cap. 53B) and any amendments or modifications
                thereof to enforce any of its terms.</p>
            <h4>
                18. Non-Assignment</h4>
            <p>
                This policy is not assignable. We shall not be affected by notice of any trust,
                charge, lien, assignment or other dealing with this Policy.</p>
            <h4>
                19. Alterations</h4>
            <p>
                We reserve the right to amend the terms and conditions of this Policy. We will inform
                you of the intended amendment at least thirty (30) days prior to the renewal. Unless
                specifically mentioned, such amendment shall not affect any special conditions or
                Endorsements applicable at the time of commencement of Cover. No alteration to this
                Policy shall be valid unless approved in writing by our authorized representative
                and reflected in an Endorsement. No broker or agent has the authority to amend or
                to waive any of the terms and conditions of this Policy.</p>
            <h4>
                20. Currency Exchange Rates
            </h4>
            <p>
                Payment of all claims and benefits will be made in Singapore currency. Charges incurred
                in any other currency shall be payable in Singapore Dollars on the basis of the
                exchange rate in effect on the date such charges were incurred as stipulated by
                us.</p>
            <h4>
                21. Clerical Error</h4>
            <p>
                A clerical error by us shall not invalidate insurance Cover otherwise validly in
                force, nor continue insurance Cover otherwise not validly in force.</p>
        </div>
    </div>
    <div id="tabs-5">
        <span style="font-size: 22px; color: #488AC7">ELIGIBILITY AND SCOPE</span><br />
        <span style="font-size: 18px; color: #F52887">1.Applicants must satisfy the following:</span>
        <ul>
            <li>Adults from 18 to 65 years old (age at next birthday). Policy renewable up to age
                80 (age at next birthday) subject to yearly review.</li>
            <li>Children from 15 days old to 18 years old (age at next birthday). Policy renewable
                up to age 25 (age at next birthday) if he / she is enrolled in an educational institution
                on full-time higher education (and not in full-time national service).</li>
            <li>Singapore Citizens, Permanent Residents of Singapore, Employment Pass Holders, Student
                Pass Holders, Dependant Pass Holders or Work Permit Holders.</li>
            <li>Employment Pass Holders, Student Pass Holders, Dependant Pass Holders and Work Permit
                Holders must supply a copy of their respective pass or work permit and a bona fide
                residential address in Singapore.</li>
            <li>Subject to our approval, Cover for you and your Spouse may be renewed up to and
                including the Age Next Birthday of 80 years old. Cover for your Children may be
                renewed up to and including their Age Next Birthday of 25 years old provided that
                they are unmarried, unemployed and fulltime students.</li>
        </ul>
        <span style="font-size: 18px; color: #F52887">2. Proposal for children must include
            at least one parent.</span> <span style="font-size: 18px; color: #F52887">3.Addition
                of Dependants</span>
        <p>
            (a) Provided that your Dependants satisfy the eligibility requirements set out in
            Section A Part 1a above, they may be included as Insured Persons under this Policy.</p>
        <p>
            (b) You must:<br />
            (i) provide written request of such inclusion of your Dependants and provide all
            necessary<br />
            information on enrolment forms in the form prescribed by us;<br />
            (ii) provide evidence of insurability of such Dependants; and<br />
            (iii) pay any additional premiums.<br />
            <br />
            Subject to Section A Part 3 below, Cover for your Dependants will only commence
            on the Effective Date.</p>
        <span style="font-size: 18px; color: #F52887">4.Further conditions concerning Cover</span>
        <p>
            (a) If an Insured Person is confined in a Hospital on the date when his Cover would
            otherwise become effective, such Cover shall not become effective until the date
            following his discharge from the Hospital as stated on an Endorsement.<br />
            (b) An Insured Person’s Cover shall cease automatically if he remains outside of
            his Country of Residence for a period in excess of ninety (90) consecutive days.
            In such event, the Insured Person’s Cover shall terminate at 23:59 Standard Singapore
            Time on the ninetieth (90th) day after the Insured Person’s departure from his Country
            of Residence.</p>
        <span style="font-size: 18px; color: #F52887">5.Geographical Scope</span>
        <p>
            This Policy Covers an Insured Person whether in or outside his Country of Residence,
            provided that Coverage for an Insured Person outside his Country of Residence shall
            be subject to the terms and conditions stated in this Policy and subject always
            to the limits specified in the Schedule or Endorsement.<br />
            Additionally, the following terms and conditions shall also be applicable to Coverage
            of an Insured Person outside his Country of Residence:<br />
            (a) At the time an Insured Person sustains an Injury or contracts an Illness, he
            has not been outside his Country of Residence for more than ninety (90) consecutive
            days; and<br />
            (b) Provided that the Injury or Illness sustained or contracted by an Insured Person
            requires Emergency Treatment, we shall pay the Benefits in accordance with the terms
            of this Policy; and<br />
            (c) Where the Injury or Illness sustained or contracted by an Insured Person does
            not require Emergency Treatment or when an Insured Person travels specifically for
            treatment of an Illness or Injury outside his Country of Residence, our liability
            under this Policy shall be limited to:<br />
            (i) the charges for equivalent treatment in Singapore General Hospital; or
            <br />
            (ii) the Covered Expenses actually incurred abroad by the Insured Person; or
            <br />
            (iii) Reasonable and Customary Charges<br />
            whichever is lowest.</p>
        <span style="font-size: 18px; color: #F52887">6. Co-payment/ Deductible</span>
        <p>
            If you have opted to pay a lower premium on the basis that a Deductible shall be
            applicable and/or that you will co-pay a portion of any claims payable pursuant
            to the Deductible and/or Co-payment features of this Policy, respectively, and this
            is approved by us, the amount of such Deductible and/or percentage of such Co-payment
            shall be specified in the Schedule or Endorsement. The Deductible and Co-payment
            will only apply to the following benefits:<br />
            (a) Benefit A (Hospital & Surgical Benefits), except the Outpatient Emergency Treatment
            (Due to Accident Only) Benefit; and<br />
            (b) Benefit E (Major Organ Transplant).</p>
        <br />
         <span style="font-size: 18px; color: #F52887">5. Simply follow the Application Steps below:</span><br /><br />
        Please note that in order to apply for Power Saver Insurance Plans, you should have
        an existing Power Saver Saving Account with us.
        <br />
        <br />
        Step 1: Please kindly complete the Power Save Saving Account PDF Application Form,
        bring it to any of our branches and request from our staffs to open an saving account
        for you<br />
        <br />
             <a href="SavingApplicationForm.pdf" style="color:#8258FA";>Download Power Save Saving Account Application Form </a><br /><br />
        Step 2: Login to your personal account with customer ID and password<br />
        <br />
        Step 3: Go to INSURANCE section, complete the online application form and submit
        to us<br />
        <br />
        Already have an exsiting Power Saver Saving Account with us? Please click the link
        below and login to your personal account to complete the online application form.<br />
        <br />
        <a href="<%= Page.ResolveUrl("~/product/insurance/user/insurance_apply_hospital.aspx")%>"
            style="color: #4AA02C">Power Saver Hospitalisation Insurance Online Appllication
            Form</a><br />
            <p>
           
            <br />
            
            
            </p>
    </div>
    </div>


</div>
</asp:Content>

